To wonder why the UC savings threshold is £6,000?

856 replies

GiddyLurker · 18/04/2026 21:55

Why is the Universal Credit savings threshold set at £6,000? What’s the reasoning behind that number?

It feels quite specific and I just wondered whether there’s a particular logic or policy decision behind it?

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KilkennyCats · 18/04/2026 22:02

Zov · 18/04/2026 21:57

No idea, I suppose they have to have a number! But £6000 is low IMO. Should be raised to £12,000 IMO.

Why? Why should you not have to spend your own money before getting a government handout?

Nurturegrow11 · 18/04/2026 22:01

The thing is £12k goes incredibly quickly (just a few months) if you suddenly loose your job.. and for instance have never claimed benefits before.

Changingplace · 18/04/2026 22:00

Zov · 18/04/2026 21:57

No idea, I suppose they have to have a number! But £6000 is low IMO. Should be raised to £12,000 IMO.

Can you explain why you think it’s low?

Many people working full time don’t have this amount of savings, I don’t think tax payers money should go to people who have £12k in the bank.

MaybeToxic · 18/04/2026 21:59

Presumably because universal credit is designed to support those who are in need... But if you have enough to live, plus more to save, then you are being gifted too much via UC and therefore no longer in need.

lazyarse123 · 18/04/2026 21:58

If you can afford to save that much you shouldn't need a fortune in benefits.

Zov · 18/04/2026 21:57

No idea, I suppose they have to have a number! But £6000 is low IMO. Should be raised to £12,000 IMO.

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